Finding competitive coverage for a Ford Fusion in Texas depends on many factors such as whether you are male or female, the performance level of your vehicle, and if you have a history of accidents. Drivers will pay on average $1,334 per year for Fusion insurance, but that amount is an estimate calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
But there is a good chance that you are not 50 and maybe not even a male, maybe you are married instead of single, and you might want liability-only or different deductibles. Everone’s needs are different, and this illustrates why the way we recommend to find cheap auto insurance rates for your Ford is to put in the effort to do a thorough rate comparison. To cut your rates now, get a free quote and you will receive price comparisons from the best companies in Texas.
Cheapest Ford Fusion Insurance Rates
Vehicle trim level will influence the coverage cost, so the price you will pay to insure a Fusion S 4-Dr Sedan will be $246 cheaper than the price to insure the high end Fusion Sport AWD 4-Dr Sedan trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $254 | $512 | $430 | $26 | $128 | $1,350 | $113 |
| Fusion SE 4-Dr Sedan | $286 | $602 | $430 | $26 | $128 | $1,472 | $123 |
| Fusion Hybrid 4-Dr Sedan | $286 | $694 | $538 | $32 | $162 | $1,712 | $143 |
| Fusion SEL 4-Dr Sedan | $286 | $602 | $430 | $26 | $128 | $1,472 | $123 |
| Fusion Sport 4-Dr Sedan | $286 | $602 | $430 | $26 | $128 | $1,472 | $123 |
| Fusion SEL AWD 4-Dr Sedan | $318 | $694 | $430 | $26 | $128 | $1,596 | $133 |
| Fusion Sport AWD 4-Dr Sedan | $318 | $694 | $430 | $26 | $128 | $1,596 | $133 |
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in zip code location which can impact premiums significantly.
Choosing the top car insurance company is difficult considering how many companies provide coverage in Texas. The company rank data listed below can help you analyze which providers to look at when trying to find cheaper insurance for a Ford Fusion.
The rankings below are only comprised of companies that insure vehicles across America, so companies that only write business in Texas or surrounding areas are not included in these rankings. To compare prices from these and other top-rated companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Tickets and at-fault accidents raise rates
The obvious way to get cheap auto insurance prices in Laredo for a Fusion is to be an attentive driver and maintain a clean driving record. The information below highlights how traffic violations and at-fault collisions increase insurance prices for each different age group. Data assumes a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Texas per year with no violations or accidents is $2,154. Factor in one speeding ticket and the average cost surges to $2,429, an increase of $275 each year. Then include one accident along with the one speeding ticket and the yearly cost of auto insurance for a Ford Fusion increases to an average of $3,199. That’s an increase of $1,046, or $87 per month, just for being a careless driver!
Why you should compare rates
Laredo, TX auto insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Getting older, moving to a different location, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper than competitors.
Additionally, insurance companies modify pricing as often as every three months in order to protect their financial rating. Larger than normal claims can result in price increases, while lower claim expenses may cause lower-priced Fusion insurance rates.
To illustrate this point, the chart below shows the cheapest car insurance in Laredo, TX for a 45-year-old male driver with no violations or accidents, and excellent credit. If we compare prices based on his current rating profile, Travelers may offer the most affordable car insurance rates in Laredo at $1,295 per year. This is $609 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining top five cheapest Laredo, TX auto insurance companies.
Let’s now give the driver from the above example a claim, poor credit, and a few traffic violations. Because each company has their own unique process for determining rates, comparing quotes may now show a slightly different list of the cheapest Laredo car insurance companies as shown below.
State Farm now has the cheapest auto insurance in Laredo, TX with Mercury, USAA, Nationwide, and Safe Auto also having competitive pricing. This example illustrates why consumers need to compare lots of rates when trying to find affordable insurance quotes for a Ford Fusion.
Insurance prices are influenced by many risk factors and change substantially, so the best option the last time you checked may now cost much more than other companies.
How to find economical insurance for a Ford Fusion
The list below details many thrifty ideas that can help you quote cheaper auto insurance.
- At-fault accidents can raise rates significantly
- Bundle home or renters insurance to earn a discount on car insurance
- Try paying for small claims out-of-pocket
- Pay cheaper rates with good credit scores
- Tickets and violations raise rates
- Increase your deductibles
- Shop your coverage around for the best deal
That last piece of advice is extraordinarily valuable, as we stressed in the article above. Prices charged by companies can be changed at any time, so don’t hesitate to change insurance companies if a more affordable rate is found. We understand brand loyalty, but is isn’t recommended if that stubbornness costs you lots of money. It only takes a couple minutes to compare prices and find cheaper insurance for a Ford Fusion in Laredo.
If you like to have a little guidance when trying to find lower insurance rates for a Fusion, the agencies below can help you make a decision which auto insurance policy fits you best.
To locate a Laredo car insurance agency closest to you, click the button at the bottom of the list or click here to compare rates now.
- State Wide Auto Insurance Agency
Laredo, TX 78041 – Laredo, TX 78041 – (956) 791-0800 - Protection Insurance Agency
1020 Washington St – Laredo, TX 78040 – (956) 723-9542 - Kike Trevino – State Farm Insurance
517 Shiloh Dr #4 – Laredo, TX 78045 – (956) 791-5453